Privacy you can trust

Last updated: [Month, Year]

Your privacy matters to us.
At Spendy, we’re committed to keeping your data secure, transparent, and under your control.
This Privacy Policy explains how we collect, use, and protect your information when you use our website, mobile app, and related services (collectively, the “Service”).

By using Spendy, you agree to this Privacy Policy.

1. Information We Collect

We collect only the information necessary to provide and improve our Service.

1.1. Information you provide

• Account information (name, email address, password)

• Financial data you manually add (expenses, goals, categories, etc.)

• Communication preferences or support messages

1.2. Information collected automatically

• Device information (browser, operating system, device type)

• Usage data (pages viewed, time spent, app interactions)

• Cookies and analytics data (for performance and improvement purposes)

2. How We Use Your Information

We use your data only for legitimate, transparent purposes:

• To provide and personalize your Spendy experience

• To analyze how the app is used and improve functionality

• To communicate about updates, new features, or support issues

• To ensure account security and prevent unauthorized access

We never sell or rent your personal data to third parties.

3. Data Storage and Security

We use industry-standard security measures — including encryption, secure servers, and limited access protocols — to protect your information.
Your data is stored in compliance with GDPR and other applicable privacy regulations.

4. Sharing of Data

We share data only when necessary to operate Spendy:

• With trusted service providers (hosting, analytics, payment processing)

• When required by law or to protect our legal rights

All third parties are required to maintain the confidentiality and security of your information.

5. Your Rights

Depending on your location, you may have the right to:

• Access, correct, or delete your personal data

• Withdraw consent for processing

• Request a copy of your data (data portability)

• Object to specific data uses

To exercise these rights, contact us at privacy@spendy.com.
We’ll respond within 30 days.

6. Cookies

Spendy uses cookies to:

• Keep you signed in

• Analyze app performance and user behavior

• Personalize your experience

You can control or disable cookies at any time through your browser settings.
For more details, see our Cookie Policy.

7. Third-Party Services

Spendy may use third-party tools such as analytics or payment processors.
These services operate under their own privacy policies and comply with applicable laws.
We carefully select partners that share our commitment to privacy.

8. Data Retention

We retain personal data only for as long as necessary to provide the Service or comply with legal obligations.
When you delete your account, your personal data is permanently removed from our systems, except where retention is required by law.

9. Changes to This Policy

We may update this Privacy Policy from time to time.
If we make significant changes, we’ll notify you by email or through the app.
The “Last updated” date at the top reflects the most recent revision.

10. Contact Us

If you have any questions or concerns about this Privacy Policy, contact us at:
📧 privacy@spendy.com